When you checkout, just click on the "pay over time" button to apply. Simply provide the basic information that is requested. Pre-qualification does not affect your credit score. Our partner Bread is committed to keeping your personal information secure and uses its technology to encrypt that data. If you are offered loan terms that are satisfactory to you, and have finished shopping, you can check out and complete your purchase right from Bread’s application window. When your loan has started, Bread will reach out to you directly to coordinate payments.